Account reviews are made on an ongoing basis by Fischer Financial Services, Inc.

We continuously evaluate the portfolios for the following critical risk factors:

• Asset allocation in line with objective.
• Sector weightings not to greatly exceed the benchmark.
• Minimize standard deviation.
• Risk/Return analysis.

We seek to minimize volatility by:

• Talking with client before setting asset allocation.
• Monitoring accounts to ensure that they are invested according to their objectives.
• Selecting securities that match client's risk profile.
• Holding cash as a buffer in times of market uncertainty to preserve principal.
• Rebalancing on a regular basis.